California Insurance Commissioner Dave Jones has spent much of the past decade looking to enact rate regulations on the health insurance industry, first as an Assemblymember and now as the state’s top insurance regulator. We sat down with him recently to talk about Proposition 45, a November ballot measure he supports that would give him the power to reject health insurance rate hikes.

When it comes to over-hyped marketing and workplace topics, the millennials win hands down. But they are going to change everything, probably for the better, and the rest of us should stop fighting it and get on board. Here’s why: